BlastPoint's Credit Union Scorecard
CREDIT UNION ONE
Charter #62562 · MI
CREDIT UNION ONE has 4 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 19.4% in tier
- + ROA 0.36% above tier average
- + Net Interest Margin 0.98% above tier average
- + Share Certificate Concentration (%): Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 79.0% in tier
- - Stagnation Risk: Bottom 79.0% in tier
- - Efficiency ratio 0.23% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 21 that size in Michigan.
- Shares and deposits +2.3% year over year ($1.60B in shares and deposits).
- Membership: 107,597 members, -1.0% vs a year ago.
- Delinquency rate 0.42%.
- Return on assets 1.18%.
- Efficiency ratio 73.25% vs a 73.02% peer average.
- Loan-to-share ratio 82.49% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
107,597
-1.0% YoY-0.4% QoQ
|
+10.7K |
96,861
-1.9% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
67% |
| Assets |
$1.8B
+3.5% YoY-0.2% QoQ
|
+$88.8M |
$1.7B
+0.4% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
63% |
| Loans |
$1.3B
+11.1% YoY+2.8% QoQ
|
+$87.1M |
$1.2B
+0.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
64% |
| Deposits |
$1.6B
+2.3% YoY-0.5% QoQ
|
+$138.5M |
$1.5B
+0.5% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
64% |
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| ROA |
1.2%
+19.2% YoY+0.1% QoQ
|
+0.4% |
0.8%
+27.6% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
80% |
| NIM |
4.4%
+7.2% YoY+2.3% QoQ
|
+1.0% |
3.4%
+6.6% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Top 5.3% in tier |
| Efficiency Ratio |
73.3%
-0.2% YoY+1.7% QoQ
|
+0.2% |
73.0%
-2.7% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
48% |
| Delinquency Rate |
0.4%
-14.3% YoY+3.5% QoQ
|
-0.4 |
0.9%
+7.3% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
22% |
| Loan To Share |
82.5%
+8.5% YoY+3.3% QoQ
|
-2.2% |
84.7%
+0.1% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
37% |
| AMR |
$27,168
+7.2% YoY+1.4% QoQ
|
$-2K |
$29,575
+1.5% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
43% |
| CD Concentration |
16.1%
-5.4% YoY+0.8% QoQ
|
-13.0% | 29.1% | 18.8% | 20.0% | Bottom 6.9% in tier |
| Indirect Auto % |
9.2%
-30.6% YoY-8.1% QoQ
|
-8.8% | 18.1% | 11.7% | 7.7% | 36% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)